ALTERNATIVE QUALIFICATIONS
No Doc/Bank Statement Loan
No FICO non-traditional credit
Non-Permanent Residents
Pay debt to DTI qualify
Manual Underwrites
Foreign Nationals
No seasoning
Short Sale
Foreclosure
Deed in Lieu
Mortgage Charge-off
MORTGAGE TYPES
VA
USDA
HARP
Portfolio
Fixed/ARM
Flip & Bridge
Hard Money
Commercial
High Balance
Conventional
FHA
Reverse
HELOC
PROPERTY TYPES
SFR
PUD
Condo
Primary
Multi Units
Condotels
Investment
Commercial
Second home
Business Purpose
Manufactured Housing
Non-Warrantable Condo
PURCHASE OPTIONS
FHA 3.5% down
Jumbo 5% down
NO MI
Non-Occupant Co-Borrowers
Investor Renovation Loan 15% down
Down payment assistance - 0% down
0% Down -CalHFA, Sapphire, USDA, VA
Primary Renovation Loan 3.5% or 5% down
TBD full approvals for fast closing and stronger offers
RENOVATION LOANS
203K Rehab
Remodel / Repair
Fannie Mae Rehab Primary or Investment
Add pool, landscaping, built in BBQ, etc. Remodel kitchen / bath